Eduardo Guzman was employed by TDH Mechanical, which provided heating, ventilation and air conditioning services. TDH bought an insurance policy from Columbia Insurance Group to cover the period from April 2016 through April 2017. Rockwell Properties owned a part of the property under construction in Chicago.
Prairie Management & Development was the construction manager at this property. In February 2017, Prairie and Rockwell contracted with TDH to provide HVAC services at this property.
The contract contained provisions stating that TDH assumed responsibility and liability for any damages or injury of any kind to all persons and all property growing out of TDH’s work on the project. The contract also specified that both Prairie and Rockwell were to be named as additional insureds on TDH’s insurance policy.